Running a holiday or caravan park comes with a great responsibility; ensuring your guests have an enjoyable experience and things run as smoothly as possible. It’s therefore essential to have the right insurance in place to protect you and your business should something go wrong.
Finding time to compare quotes whilst running your holiday site can be tough which is why we do all the hard work for you and can arrange your holiday park insurance policy for you.
Our advisors work with trusted insurers to find you the most suitable cover for your business. We understand that one size doesn’t always fit all, which is why we make recommendations based on your individual campsite requirements.
Premierline is a trusted partner in securing comprehensive insurance coverage for many holiday and caravan park owners. We’ll help arrange tailored insurance solutions, so you can have peace of mind knowing that your property, assets, and business is protected against unforeseen risks. Whether you own a bustling holiday park or a serene caravan site, Premierline has you covered.
Call us today and we’ll take the headache out of arranging your caravan site insurance. If you would prefer us to call you, simply request a quote and we’ll discuss your holiday park cover with you at a later date.
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Holiday & caravan park insurance is a tailored business insurance package that is designed to protect the owners of holiday parks, caravan parks and campsites from various risks and liabilities associated with their businesses. It usually includes property insurance for structures and facilities, liability insurance for accidents and injuries, business interruption insurance for income loss during disruptions and equipment insurance for park machinery. This insurance provides peace of mind by safeguarding park owners’ investments and mitigating potential financial losses and legal issues, allowing them to focus on providing a safe and enjoyable experience for guests.
When deciding what insurance and covers you need to protect your business, you should consider the following:
Public liability insurance is essential for holiday park owners as it covers them against claims for accidental injury or property damage made by guests or visitors. It protects the park owner against legal expenses and compensation payments if someone sues the park due to an incident that occurred on the premises.
Public liability claims for holiday parks could cover:
Without public liability insurance, your holiday or caravan park could face significant financial losses in the event of a claim.
If the holiday park employs staff, employers’ liability insurance is a legal requirement in most cases. It covers claims from employees who suffer injury, illness, or property damage while working at the park. This coverage provides financial protection against legal costs and compensation claims.
Examples of claims that could be made by employees include:
Employers’ liability insurance is a crucial coverage for holiday & caravan park owners, as it protects them from financial losses related to claims made by employees.
Cyber insurance can provide protection for holiday parks in the event of a cyber-attack or data breach. This insurance can cover a range of expenses associated with cyber incidents, such as data recovery, legal and regulatory fees, and customer notification and credit monitoring.
In addition to financial protection, cyber insurance for holiday & caravan parks may also provide access to resources that can help park owners prevent and mitigate cyber risks. For example, some policies may include risk assessments, employee training programs, and incident response planning.
Given the amount of sensitive data that holiday parks collect and store about their guests, cyber insurance can be an important part of a park’s risk management strategy. By investing in cyber insurance, holiday parks can protect themselves from the potentially devastating financial and reputational consequences of a cyber-attack or data breach.
Holiday park and caravan park owners should consider several key property insurance covers to protect their investments and assets. Here are some property insurance coverages that are important for holiday park owners:
Buildings insurance – to cover the physical structures within the holiday park, including lodges, cabins, amenity buildings, reception areas, or any other permanent buildings. It provides coverage against risks such as fire, storms, vandalism, theft, and accidental damage. This cover could help repair or rebuild damaged structures.
Contents insurance – to cover the contents and belongings within the buildings of the holiday park. This can include furniture, appliances, fixtures, fittings, inventory, and equipment. It protects against damage or loss caused by events like fire, theft, vandalism, or natural disasters.
Equipment Insurance: To protect the park’s machinery, tools, and equipment essential for park operations, such as ride-on mowers, maintenance tools, kitchen equipment, playground equipment, and more. This coverage protects against damage, breakdown, or theft, ensuring that the necessary equipment is repaired or replaced promptly.
Including business interruption cover in your caravan or holiday park insurance could provide coverage for the loss of income or additional expenses incurred due to an unexpected event that disrupts the operation of the holiday park. This can include damage caused by fire, storms, or other insured perils. It helps cover ongoing expenses and revenue losses during the interruption period.
The purpose of business interruption insurance for holiday parks is to provide financial stability during unexpected events that may prevent the site from operating, allowing it to continue to run and recover from a covered loss.
Commercial legal protection can be included in your bed & breakfast insurance policy, the cover is designed to provide businesses with financial protection and support for legal costs related to commercial disputes and other legal issues.
Commercial legal expenses can help to minimise the financial impact of such incidents and provide peace of mind knowing that your B&B has access to legal support when it is needed.
Loss of Licence insurance can provide compensation if the B&B owner loses their licence to operate due to a covered event. This type of insurance coverage is designed to help protect B&B owners from the financial consequences of losing their licence to operate, allowing the B&B owner to continue to run their business and recover from a covered loss.
Designed specifically for the hospitality industry, this cover typically insures you against loss or damage to your guests’ personal possessions if you’re legally liable. The cover may also extend to include employees’ possessions, as well as damage to the guest room and its contents. The purpose of guest effects insurance is to provide peace of mind for guests and to protect the hotel from financial losses in the event of theft, loss, or damage to guests’ personal property.
Holiday parks carry their own unique risks for everyone involved, from staff to customers to suppliers. It is therefore essential to ensure you have the right caravan park insurance in place to protect your livelihood against unforeseen events that could lead to financial losses.
Holiday & caravan park insurance covers a variety of business activities associated with the trade, from camping to glamping, pools to playgrounds. Every campsite, caravan site or holiday park is different and therefore may have a range of different facilities that require bespoke insurance to protect against unexpected eventualities.
At Premierline, we offer flexible caravan park insurance covers that can be as basic or comprehensive as you need depending on the size of your holiday park. When deciding what business insurance you need to protect your business, you should consider the following:
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The cost of an insurance policy for a holiday or caravan park could depend on any number of variables, including the size of your holiday park, your location, the types of insurance covers required, the value of the assets you need insured and the overall level of risk associated with the holiday or caravan park.
It is difficult to estimate the overall price of insurance covers for a caravan park without taking all of these factors into consideration. The best way to get an accurate estimate of the cost of insurance is to speak to one of our insurance advisors who can assess the specific needs and risks of your business and provide a quote from a recommended insurer.
We understand the conditions that come alongside running your own caravan or holiday park and finding time to source the appropriate insurance can be very time-consuming. That’s why our team of advisors are on hand to make arranging your caravan park insurance quick and simple. Our experts are able to provide an advised service over the phone and can help find the right insurance for you right away.
Secure your holiday and caravan park’s future with Premierline. Get the cover you need, tailored to your unique requirements. Trust the experts to protect what matters most to you. Contact Premierline today and experience the peace of mind you deserve.
As a business insurance broker, we can arrange insurance for a range of different holiday park businesses. Whether you run a caravan park, campsite or operate a luxury holiday lodge park, our team are able to find the best insurance to suit your demands and needs. Here are just some of the common types of holiday businesses we work with:
Caravan parks – offering accommodation for holidaymakers in static caravans or touring caravans often including facilities such as amenities blocks, entertainment venues, and recreational areas.
Holiday lodge and chalet parks – featuring self-contained holiday accommodations, usually in the form of log cabins, chalets, or lodges.
Camping parks or campsites – providing pitches or designated areas for individuals or families to set up tents or park their campervans.
Luxury holiday parks – catering to those seeking high-end accommodation featuring luxurious lodges, spas, fine dining options, golf courses, and other upscale facilities.
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.
We understand the nature of running your own business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
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“Premierline were fantastic and took all the stress out of my insurance renewal. The new policy was also cheaper than last years. Thanks Sophie. Top marks!”
Don’t leave your holiday and caravan park vulnerable to risks and uncertainties. Protect your investment with Premierline. Requesting a quote is quick and easy. Simply fill out our online form or give us a call, and one of our experienced advisors will guide you through the process. Start safeguarding your business today.
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